A) PREPAY COURTESY (CASH OR CHECK)Get a 5% bookkeeping courtesy by paying in full for the entire treatment at the time of service.For services requiring more than one appointment, to receive this 5% bookkeeping courtesy, the entire treatment plan must be paid in advance at the first visit.

B) CARE CREDIT (FOR FEES OVER $300):With fast approval over the phone or the net @ www.carecredit.com, your payments can be much lower than those available through our office. Care Credit specializes exclusively in helping patients with larger dental cases to do the treatment they want. Care Credit carries low monthly installments and can extend terms out to 60 months, and there are no pre-payment penalties.

C) THREE PAYMENTS (FOR FEES OVER $1000):Total patient obligation may be divided as follows: 50% due at the first treatment visit, with the remaining balance split into two equal payments, due to 30 and 60 days after the first treatment visit. For any fees under $1,000, the full amount is due at the initiation of any procedure. Note: balance payments will be written at the initiation of treatment, "post-dated" for 30 and 60 days-our guarantee: If a post-dated payment is deposited prior to the date on the face of the check (or credit card slip) we will credit your account for an amount equal and in addition to that payment.

D) GRADUAL TREATMENT PLANFor those patients on a limited budget, by prioritizing treatment, those patients who do not have dental benefits and are on a tight budget can still complete their dental work by spreading appointments over several months.

E) DENTAL BENEFITSGet a 5% bookeeping courtesy by paying in full at hte time of service.This includes services that may be covered by your benefits policy. To help you in maximizing your benefits, we'll gladly submit your benefit claim forms. Once your carrier has processed the claim, they will reimburse you.

FORMS OF PAYMENT AND BALANCES DUEIn order to facilitate access to the very best health care possible, you may choose from any of the following (including any combination thereof): Cash, Visa, Master Card, Discover, Money Order, Personal Checks, or Care Credit (see above) . Balances over 60 days will incur a finance charge of 21% APR.

INSURANCEIt is our pleasure to assist you in maximizing your insurance benefit by completing your claim forms. If your carrier is up to date, the claims will be transmitted via computer modem before the end of the treatment day! As a courtesy, in addition to filing the claim, if you prefer, for any treatment over $300 we will initially ask you for your estimated co-payment, (for treatment under $300 we require payment at the completion of the treatment). Please understand that this is only an estimate, and is based upon the information available to us.

THE RANGE OF BENEFITS DEPENDS SOLELY ON WHAT YOUR EMPLOYER WISHES TO PURCHASE.Some plans cover as little as 30% or as much as 100% of some dental services, with most falling in the 40% to 80% range.

Some plans base the amount of benefit on a schedule of fees arbitrarily developed by insurance companies. For this reason, you may receive a lower percentage than the reimbursement level indicated in your plan.

For example, if your plan states that it will pay 80% of the cost of a specific treatment, it means 80% of the arbitrarily determined fee by the insurance company and not the acutal fee charged by our office.

If you wish to know what your Insurance carrier has determined to be the UCR (Usual and Customary Rate) for your area you can write them and request a copy of their fee schedule. There's little known federal Labor Department advisory, which falls under the ERISA (Employment Income Security Act of 1974) disclosure, which says that all Insurance carriers are obligated to disclose this information to their participants when the participant makes the request in writing.

THE FINANCIAL OBLIGATION FOR DENTAL TREATMENT IS BETWEEN YOU AND OUR OFFICE.The insurance company is responsible to you, and not to our office. We will assist you in any way that we can (including our brand new high tech "electronic claims submission"). Once your carrier has paid the claim, any difference will be due upon receipt of our statement. If for any reason, we have not received your insurance carrier's payment 45 days after the claim, the remaining balance will be due and payable by you, and subject to 21% APR